Your credit report is a snapshot of your borrowing history and identity details. On ClearScore, we show the information we receive from Equifax. It typically includes:
What’s in your credit report
• Personal details: your name, date of birth, and current and past UK addresses (usually up to 10 years)
• Accounts: credit cards, loans, mortgages, and other credit agreements, shown as open, closed, settled, or defaulted
• Payment history: whether you’ve paid on time each month
• Credit limits and balances: your limit and last reported balance on each account
• Searches: soft and hard searches carried out on you
• Public records: details such as CCJs, IVAs, or bankruptcies
• Financial associations: people you’re financially linked to, such as joint account holders
Who can view your credit report
Banks, building societies, mortgage and loan providers, credit card companies, mobile and broadband firms, utilities, and some insurers may check your credit report.
They use it—alongside their own affordability and identity checks—to confirm who you are and assess how you manage borrowing before making a decision.
Key points to remember
• Lenders see the data on your credit report (accounts, payment history, searches, and public records)
• They don’t see your credit score
• Your credit score is for you, to help you interpret your report
• Each organisation uses its own criteria and scoring model, so decisions can differ between lenders